1. business and industrial
2. construction

Arch PLP Insurance Manual - GL
Project Name
Date
PROJECT SPECIFIC INSURANCE
MANUAL
PROJECT LIABILITY PROGRAM
FOR THE
PROJECT NAME
Presented By:
Swinerton Builders
and
Gallagher Construction Services
Arch PLP Insurance Manual – GL Only
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Table of Contents
Insurance Coverages ................................................................................................. 3
Program Eligibility....................................................................................................... 5
PLP Enrollment Responsibilities Flow Chart .............................................................. 6
Insurance Required from Subcontractors .................................................................. 7
PLP Application Worksheet Instructions..................................................................... 8
PLP Application Worksheet........................................................................................ 9
Notice of Work Completion....................................................................................... 10
Accident Reporting for General Libaility Claims ....................................................... 11
Definitions ................................................................................................................ 12
Personnel Directory.................................................................................................. 13
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Insurance Coverages
Swinerton provides the following insurance Project Liability Program (“PLP”) to all enrolled
subcontractors under the program. Policy copies are available upon request.
(a) Commercial General Liability Insurance:
(Excluding Workers’ Compensation, Automobile, Professional, and Pollution Liability) applying to all
Insureds jointly with the following Bodily Injury and Property Damage combined limits:
$2,000,000
Each Occurrence
$2,000,000
Personal and Advertising Liability
$4,000,000
General Aggregate
$4,000,000
Products and Completed Operations Aggregate
Ten (10) years Completed Operations coverage, per project, from substantial completion.



General Aggregate Limits apply per project and renew annually.
Products & Completed Operations Aggregate – there is an overall $16,000,000 Limit, which is
shared by all projects during the program term.
Total Program Volume is estimated at $330,000,000 in construction values. If the program volume
increases by more than 50%, and as long as it’s commercially available and financially feasible,
Swinerton will purchase additional limits. If the Policy Aggregate limits are impaired by more than
50%, and as long as its commercially available and financially feasible, Swinerton will purchase
additional limits
(b) Excess Liability Insurance:
$50,000,000
$50,000,000
$50,000,000



Each Occurrence
General Aggregate
Products and Completed Operations Aggregate
General Aggregate Limits apply per project and renew annually.
Products & Completed Operations Aggregate – there is an overall $50,,000,000 Limit, which is
shared by all projects during the program term.
Total Program Volume is estimated at $330,000,000 in construction values. If the program volume
increases by more than 50%, and as long as its commercially available and financially feasible,
Swinerton will purchase additional limits. If Program Aggregate limits are impaired by more than
50%, and as long as its commercially available and financially feasible, Swinerton will purchase
additional limits.
Total Program Aggregate Limits (Primary + Excess) available, based on $330,000,000 in
construction value, are $66,000,000.
(c) General Liability Deductibles: For each contractor per occurrence
$ 1,000 for subs with contracts up to $100,000
$ 5,000 for subs with contracts between $100,001 and $250,000
$10,000 for subs with contracts between $250,001 and $500,000
$25,000 for subs with contracts over $500,000
The Deductible will be assessed on the value of contract at the time of loss. Losses falling under
the products/completed operations exposures will result in deductibles of twice the amount
shown above.
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(d) Defense Costs: Defense costs are in addition to the limits of liability
(e) Evidence of Insurance:
Gallagher Construction Services will issue certificates of insurance evidencing coverages provided
under the PLP to each Insured. The certificate of insurance and insurance policy will include a 30day notice of cancellation clause.
(f) Known Exclusions/Endorsements
 Nuclear Energy Liability Exclusion
 Silica Exclusion
 Lead Exclusion
 Asbestos Exclusion Endorsement
 Contractors Professional Liability Exclusion (Means and Methods Exception)
 EIFS Exclusion (Resultant Bodily Injury/Property Damage is covered)
 Exclusion – Violation of Statues that Govern E-mails, Fax, Phone Calls or Other Methods of
Sending Material or Information
 Fungi or Bacteria Exclusion
 Employment Related Practices Exclusion
 Total Pollution Exclusion (Hostile Fire Exception)
 Damage to the Project Exclusion
 Contractual Liability Railroads
 Notice of Occurrence
 Anti-Stacking Endorsement
 Limited Contractual Liability
 Fellow Employee/Incidental Medical Malpractice Coverage
 Distribution of Material in Violation of Statues Endorsement
 Joint Defense Endorsement
(g) Program Term: October 1, 2010 to August 1, 2014 plus 10-year completed operations tail from
substantial completion
(h) Project Term: Date to Date plus 10-year completed operations tail from substantial completion
(i) Insurance Carriers:



Commercial General Liability Insurance: Arch Insurance Company(Arch)
Excess Liability Insurance: Allied World Assurance Company, Inc. (AWAC)
Excess Liability Insurance: Westchester Fire Insurance Company (Westchester)
(j) Credit Calculation: Net Bid
The coverages under this program do not include all insurance needed by the Subcontractor and its
Subcontractors of any tier. For example, Workers' Compensation coverage is not included and
General Liability and Excess coverages apply only to the operations of and for each Insured at the
Project Site. They do not apply to the operations of any Insured in their regularly established main or
branch office, factory, warehouse, or similar place. Independent Truckers/Haulers will not be Insureds
under the Program.
This Summary is not intended to amend or alter any provisions of the actual insurance
policies. If a conflict should occur, the insurance policies shall govern. Actual policy copies
will be provided upon written request. Gallagher automatically distributes policy copies upon
enrollment.
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Program Eligibility
All qualified subcontractors of any tier whose employees perform actual on-site labor are required to
participate in the Project Liability Program (PLP) and follow through with the enrollment and
participant responsibilities as noted throughout this Manual.
Coverage Trigger
Coverage will begin the date you begin work at the site and is contingent on a properly completed
PLP Enrollment Form. Once your enrollment has been completed you will receive a Certificate of
Insurance confirming the coverage from Gallagher Construction Services. It is your responsibility
to complete and return all enrollment materials before you begin work on the project. You are
also responsible for ensuring that any lower tier subcontractors you hire are also enrolled before
they begin their work at the project site. If you or your lower tier subcontractors have not completed
the enrollment form and received confirmation of enrollment from Gallagher Construction Services,
no coverage will be afforded.
Ineligible Parties
Subcontractors who present an exceptionally hazardous exposure or risk to the job site may not be
eligible to participate, at Swinerton's discretion. It is your responsibility to contact Gallagher and
confirm your eligibility before you begin work on the project.
Not everyone will be a participant. For example, the following are ineligible for the program:
Subcontractors of any tier that are:
 Vendors
 Suppliers
 Material dealers,
 Off-site fabricators with no on-site installation
 Others who merely transport, pick up, deliver or carry materials, personnel, parts or equipment
or any other items or persons to or from the project site
 Temporary labor services that would traditionally supply you with temporary labor (where
workers' compensation coverage is provided for those employees by the temporary agency).
This situation needs to be reviewed on an individual basis.
 Abatement contractors
 Scaffolding contractors
If you are uncertain whether your firm will be a participant in this program, or wish
confirmation of your eligibility, please contact Administrator, Gallagher Construction Services
at (877) 972-7871.
Swinerton will coordinate the program at the project site. Gallagher Construction Services will be
administering the program from their offices. A complete contact list is in the back of this Manual.
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PLP Enrollment Responsibilities Flow Chart
Action Item
Responsibility
Distribute PLP Manual to prospective bidders or
subcontractors.
1

2
Send PLP Manual to your Insurance Agent/Broker for
 assistance, if necessary, in completing the PLP
Enrollment Form.
3

Distribute PLP Manual to prospective lower tier
bidders/subcontractors.
Subcontractor
4

Forward to Gallagher PLP Enrollment Forms from you
and your lower tier subcontractors.
Subcontractor
5
Send Insurance Certificate to Swinerton in accordance
 with the Attachment “A” Insurance Requirements of the
Subcontract Agreement.
6
Confirm all site subcontractors’ and/or lower-tier
 subcontractor(s) enrollment in PLP program.
Gallagher will issue written confirmation.
7

Certificate of Insurance and policy copies issued to
PLP participant.
Gallagher
8
Advise your Insurance Agent/Broker of insurance
 coverages provided by PLP so that proper notice can
be made to your current insurers.
Subcontractor
Lower-tier
subcontractor
6
Swinerton
Subcontractor
Subcontractor
Gallagher
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Insurance Required From Subcontractors of Any Tier
Please note that the coverages provided by the PLP are designated to cover you only while
you are actively engaged in construction activities at the Project Name. Therefore it is
imperative that you maintain your own insurance coverage for off-site operations.
The required insurance of every PLP participant is outlined in detail in the Subcontract
Attachment “A” – Insurance Requirements. Please refer to that subcontract document for the
requirements that pertain to you. In summary, the following coverages are required:
1.
Statutory Workers' Compensation Insurance and $1,000,000 Employers’ Liability
for on & off-site operations, warranty and call-back work.
2.
General Liability Insurance for premises and off-site operations. The required limits
vary depending on the type of work performed by the subcontractor. However,
required limits are not less than $2,000,000 per occurrence and in the aggregate.
3.
Automobile Liability Insurance with limits not less than $1,000,000 combined single
limit covering all owned, non-owned and hired automobiles.
4.
Professional Liability Insurance with limits not less than $1,000,000 per claim for all
subcontractors, consultants, architects, engineers, or surveyors rendering professional
services for the Project Name.
5.
Pollution Liability Insurance with limits not less than $5,000,000 for any subcontractor
performing any hazardous material hauling, or hazardous material abatement.
6.
The Subcontractor of any tier shall require their respective vendors, suppliers, off-site
fabricators, material dealers, truckers, drivers and others who merely transport, pickup, deliver or carry materials, personnel, parts or equipment to or from the project site
to maintain insurance in the form and with the limits as specified in the Subcontract
Attachment “A” – Insurance Requirements.
The Attachment “A” – Insurance Requirements of the Subcontract Agreement outline in
detail the required coverages for all PLP participants. It is important to review that
document and supply the required Certificate of Insurance prior to the start of work.
Please note that progress payments may be withheld if required insurance is not on file.
If you have questions regarding any of the required insurance, feel free to contact
Administrator at (877) 972-7871.
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PLP Application Worksheet Instructions
Every PLP participant must complete the PLP Application Worksheet on the following page. If you
have any questions regarding the completion of this worksheet, please contact Administrator at (877)
372-7871, as they can walk you through it.
Please keep in mind the following:

You will need to collect the PLP Application Worksheet from each of your lower-tier
subcontractors

The PLP does NOT INCLUDE Workers’ Compensation coverage

The PLP does NOT INCLUDE automobile coverage (including trucks and licensed equipment) or
tools and equipment;

The PLP provides General Liability only for operations at the Project Name. Operations of each
subcontractor of any tier at other locations are NOT COVERED by the PLP.
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FAX TO 415-391-1916 or
EMAIL TO
contactname@AJG.COM
PLP Enrollment Form
PROJECT NAME
SECTION 1: SUBCONTRACTOR TO FILL IN THIS SECTION
SUBCONTRACTOR NAME
CONTACT NAME
PHONE:
FAX:
MAIN ADDRESS
CONTACT EMAIL
FEIN NUMBER
ESTIMATED WORK START DATE
FORM OF ENTITY :
ESTIMATED WORK COMPLETION DATE
 CORP  PARTNERSHIP  JOINT VENTURE  OTHER
IF JV OR PARTNERSHIP, LIST NAMES:
SCOPE OF WORK
WHO WILL YOU BE UNDER
SUBCONTRACT TO?
LOWER TIER
ESTIMATED % TO BE SUBCONTRACTED
%
SUBCONTRACTORS
ESTIMATED CONTRACT
AMOUNT
EMR( WORKERS’
COMPENSATION):
$
ESTIMATED PAYROLL
AMOUNT
$
NAME OF INSURANCE
BROKER
As noted in this Manual, Swinerton will purchase General and Excess Liability Coverages for the benefit of
participating subcontractors. In exchange for this benefit, the undersigned agrees as follows:
 Any and all returns of premium, dividends, discounts, or other adjustments to any WRAP-UP policy is
assigned, transferred and set over absolutely to Swinerton. This assignment pertains to the policies as now
written and as subsequently modified, rewritten or replaced including any additional amounts or coverages
as a result thereof. Rights of cancellation of all insurance policies provided to Subcontractors of any tier by
Swinerton are also assigned to them. This assignment is only valid for Insurance policies whose premiums
have been paid by Swinerton on behalf of such Subcontractors of any tier.
 Subcontractor enrolled in the WRAP-UP policy will be responsible for its proportionate share of the insurance
deductibles of up to $1,000-$25,000 per occurrence for General Liability, if determined the subcontractor is
liable for the associated claim.
 Insurance coverage under the WRAP-UP is contingent on a properly completed Application with information
that is accurately represented by the subcontractor(s). Gallagher Construction Services will provide each
enrolled subcontractor with written confirmation of coverage.
Signature
Date
Name
Title
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Notice of Work Completion
PROJECT NAME
When the Subcontractor of any tier requests final payment, Subcontractor of any tier will complete
this form and forward it to Gallagher for verification that all PLP requirements have been met.
1. Subcontractor:
2. Job site:
3. Work Performed:
4. Date work completed:
5. Subcontractors of any tier, if any, which are included in this Work:
(Add attachment if more space is needed)
Name
Name
Name
Name
6. (Signed By)
Subcontractor of any tier Representative’s Signature
Return completed form to:
Wrap-up Adminsitrator
Gallagher Construction Services
One Market, Spear Tower, Suite 200
San Francisco, CA 94105
Phone (877)972-7871
Fax
(415) 391-1916
contactname@ajg.com
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General Liability Claims
1. If an injury is involved, the Subcontractor's superintendent must immediately arrange
for first aid or other required medical treatment for the injured party.
2. All Incidents, regardless of severity, shall be reported immediately to the Job Site Contact
and On-site Safety Coordinator and reported to the Insurer by telephone
3. The Subcontractor's superintendent must complete a General Liability Loss Notice
for each accident with the following distribution: Arch, Job Site Office, Gallagher
Construction Services.
4. Any Court Summons, legal documents or other correspondence must be
immediately referred to Gallagher Construction Services by registered mail.
Additional questions concerning suit papers should be referred to Gallagher Construction
Services.
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Project Name
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Definitions for Purposes of This Manual
General Contractor:
Swinerton Builders
Project:
Project Name
Project Address
Project: Site:
The areas designated in writing by Swinerton Builders in a contract
document for performance of the Work and such additional areas
as may be designated in writing by Swinerton Builders for
Contractor’s use in performance of the Work. The Project Site shall
also include (1) field offices, (2) property used for bonded storage
of material for the Project approved by Swinerton Builders, (3)
staging areas dedicated to the Project. Items 1 through 3 must
be approved by the CCIP Insurer and listed in the CCIP Policy
Off-Site Exposures:
Offices, shops, warehouses, factories, or similar locations away
from the designated project site that have not been approved by the
CCIP Insurer and listed on the CCIP Policy ARE NOT COVERED.
Contract:
The agreement between Swinerton Builders and the Subcontractor.
The terms "Contract" and "Agreement" are used interchangeably.
Subcontractor of Any Tier:
The person, firm or corporation with whom Swinerton has entered
into Agreement to perform the Work; or the Person or entity who has
a contract with a Swinerton Subcontractor to perform any of the Work
at the Site.
Work:
Operations, as fully described in the Contract, performed at or
emanating directly from the Project Name
Insured:
Subcontractors of any tier which have an executed subcontract
agreement and which have received written confirmation of
coverage by Gallagher Construction Services. The following are
not Insureds under this WRAP-UP- Vendors, suppliers, material
dealers, off-site fabricators and others who merely transport, pick up,
deliver or carry materials, personnel, parts or equipment or any other
items or persons to or from the Project Site, et al.
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Project Name
Date
Personnel Directory
PROJECT CONTACT:
TBD
PROJECT MANAGER:
TBD
PLP SAFETY DIRECTOR:
Wade Obermann
Swinerton Incorporated
4055 Nelson Ave.
Concord CA 94520
(925) 602-6492
(925) 825-0848/fax
RISK MANAGEMENT:
John Capener
Swinerton Incorporated
4055 Nelson Avenue
Concord CA 94520
(925) 602-6478
Susan Thorne
Swinerton Incorporated
4055 Nelson Avenue
Concord CA 94520
(925) 602-6463
Insurance Broker & Contact:
ENROLLMENT/ADMINISTRATION:
Administrator Name
Gallagher Construction Services
One Market, Spear Tower, Suite 200
San Francisco, CA 94105
(415) 288-1662 direct line
(877) 972-7871 toll free
(415) 391-1916 fax
contactname@ajg.com
GENERAL LIABILITY CLAIMS:
Francine Mueller
Gallagher Construction Services
(415) 288-1674
(415) 391-2616/fax
Francine_Mueller@ajg.com
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